This is a descriptive cross study on motor vehicle third party insurance in Uganda carried out on 7 insurance companies and 70 motor vehicle owners. The study basically looks at a legal analysis of motor vehicle third party insurance in Uganda. Study focuses on the meaning of motor third party insurance under the motor vehicle insurance (third party risks) Act Cap 214.
The study looks at the history of motor vehicle third party insurance right from the birth of a car until it came into force in Uganda.
Research critically analyzes why some victims are not compensated and on the other hand assess how well motor vehicle owners know about motor third party insurance looking at their knowledge, attitude and awareness on motor third party insurance.
Research also covers the extent to which insurance companies compensate victims. What they (insurance companies) consider to compensate the policy holder and why the insurance companies do not compensate the policy holders in some circumstances.
The study looks at the legal framework of motor third party insurance, analyses the challenges of motor vehicle insurance from the insurance company's point of view and the policy holder's point of view that is to say, how well both parties understand the law. In an interview with the independent newspaper the Uganda insurers' association technical manager submitted that people needed to understand more about insurance and the Uganda insurer's association's intention is to interpret insurance especially motor third party insurance in a local language. With this, the research critically analyses the loopholes in the law governing motor third party insurance.